Not applicable.

New Purchase Category Added - Public Transit Purchases

Earn 4.5 TD Rewards Points for every $1 in Public Transit Purchases.

Annual Cap: $15,000

Earn 3 TD Rewards Points for every $1 in PAPs.

Earn 3 TD Rewards Points for every $1 in PAPs and Streaming, Digital Gaming & Media Purchases.

Annual Cap: $15,000

Note: This Annual Cap has not changed.

Earn 4.5 TD Rewards Points for every $1 in Restaurant Purchases.

Earn 4.5 TD Rewards Points for every $1 in Dining Purchases.

Annual Cap: $15,000

Note: This Annual Cap has not changed.

Table of Contents

Section 1: Definitions

Section 2: Earning TD Rewards Points

2.1 What are TD Rewards Points?

2.2 How do you earn TD Rewards Points and Redeem TD Travel Credit?

2.3 How do you receive your TD Travel Credit?

2.4 How do we determine if a Purchase qualifies for a Purchase Category?

2.5 Can you receive Offers?

 

Section 3: Redeeming TD Rewards Points

3.1 How do you redeem TD Rewards Points?

3.2 How do you redeem TD Rewards Points through Expedia For TD?

3.3 How do you redeem TD Rewards Points through Other Travel Providers?

3.4 What are your TD Rewards Points worth when you redeem them for Travel Purchases?

3.5 How do you redeem TD Rewards Points for Other Redemption Options?

 

Section 4: Program Terms

4.1 How can you check your TD Rewards Points balance?

4.2 What happens if there is an error with your TD Rewards Points balance?

4.3 Can you combine your TD Rewards Points with other Accounts under the TD Rewards Program?

4.4 Can your TD Rewards Points expire, or can you forfeit them?

4.5 What happens to TD Rewards Points upon the death of the Primary Cardholder?

4.6 What should you know about your Travel Purchases made through Expedia For TD or Other Travel Providers?

Section 5: General Information

5.1 Who is responsible for paying taxes that relate to the Program?

5.2 Can you sell, barter, or assign your TD Rewards Points?

5.3 What is our limitation of liability for the Program?

5.4 What if we do not act immediately if you do not follow your obligations in these TD Rewards Program Terms and Conditions?

5.5 Can we change the TD Rewards Program Terms and Conditions?

5.6 Can we cancel or terminate the Program?

5.7 Can we cancel or terminate a Cardholder’s ability to participate in the Program?

5.8 What are our rights if you do not follow the Program and these TD Rewards Program Terms and Conditions?

5.9 What happens if part of these Terms and Conditions is invalid?

5.10 What laws govern these Terms and Conditions?

5.11 What language will be used?

 

Section 6: How to Contact Us

Section 1: Definitions

Section 2: Earning TD Rewards Points

Section 3: Redeeming TD Rewards Points

Section 4: Program Terms

Section 5: General Information

Section 6: How to Contact Us

Section 2.2

The Account linked with the Program must be open and in Good Standing to earn TD Rewards Points.

•  If you cannot make a Purchase because the Account is not in Good Standing and we have restricted the Account’s ability to make Transactions, you cannot earn TD Rewards Points.

•  Please see your Cardholder Agreement to learn more about when the Account will not be considered in Good Standing and what can happen if the Account is not in Good Standing.

You will earn TD Rewards Points in only one of the Purchase Categories set out in the below chart when you make a qualifying Purchase and your Account is in Good Standing. The number of TD Rewards Points that you can earn will depend on the type of TD Credit Card you have.

We will round your qualifying Purchases posted to the Account up or down to the nearest whole dollar and then apply the TD Rewards Points earned for this Purchase.

The Account linked with the Program must be open and in Good Standing to earn TD Rewards Points.

• If you cannot make a Purchase because the Account is not in Good Standing and we have restricted the Account’s ability to make Transactions, you cannot earn TD Rewards Points.
• Please see your Cardholder Agreement to learn more about when the Account will not be considered in Good Standing and what can happen if the Account is not in Good Standing.

You will earn TD Rewards Points in only one of the Purchase Categories set out in the below chart when you make a qualifying Purchase and your Account is in Good Standing. TD Rewards Points that you earn through a Purchase Category are in place of, and are not in addition to, the Base Earn Rate. The number of TD Rewards Points that you can earn will depend on the type of TD Credit Card you have.

We will round your qualifying Purchases posted to the Account up or down to the nearest whole dollar and then apply the TD Rewards Points earned for this Purchase.

If an Annual Cap is shown in the table below, the Earn Rates for the Purchase Category will no longer apply when your total Purchases in that category exceed the Annual Cap in a year. If your total Purchases in the category exceed the Annual Cap in a year, you will earn the Base Earn Rate on Purchases in the category for the remainder of the year. The year runs after your first statement period in January until the end of your statement period the following January.

6 TD Rewards Points for every dollar in Travel Purchases you make online through ExpediaForTD.com or through the phone on Expedia For TD.

6 TD Rewards Points for every dollar in Travel Purchases you make through Expedia For TD.

Chart in Section 2.2

Each instance of the following words:

"TD Rewards Points that you earn through another Purchase Category set out below are in place of, and are not in addition to, the Base Earn Rate."

"Annual Caps: The Grocery Earn Rate will no longer apply when your total Grocery Purchases exceed the annual cap in a year. If your total Grocery Purchases exceed the Annual Cap, you will earn the Base Earn Rate. The year runs after your first statement period in January until the end of your statement period the following January."

"Annual Caps: The PAP Earn Rate will no longer apply when your total PAPs exceed the annual cap in a year. If your total PAPs exceed the Annual Cap, you will earn the Base Earn Rate. The year runs after your first statement period in January until the end of your statement period the following January."

"Annual Caps: The Restaurant Earn Rate will no longer apply when your total Restaurant Purchases exceed the annual cap in a year. If your total Restaurant Purchases exceed the Annual Cap, you will earn the Base Earn Rate. The year runs after your first statement period in January until the end of your statement period the following January."

Deleted

Note: This language has been removed from the chart, but moved to another portion of this Section 2.2 of this agreement

Section 2.4

We use Merchant Category Codes to determine the Purchase Category for Grocery Purchases and Restaurant Purchases.

Merchant Category Code means the merchant category code that the Visa payment network uses for a merchant to classify its goods and services, which may be changed from time to time by Visa. Only Purchases using the following Merchant Category Codes qualify for the Grocery Earn Rate or the Restaurant Earn Rate: Grocery Purchases: 5411 Restaurant Purchases: 5812 and 5814 We do not monitor merchants to see if they correctly identify and bill Transactions according to a Merchant Category Code, or correctly identify a Transaction as a PAP. However, we do reserve the right to determine if a Purchase qualifies for a certain Purchase Category.

Grocery Purchases means buying groceries or grocery items from a merchant classified through the Visa payment network using the above noted Merchant Category Code for Grocery Purchases.

Pre-authorized payments or PAP(s) means Purchases set up by any Cardholder that the Cardholder charges to the Account. A PAP allows a Cardholder to automatically pay for recurring bill payments with a merchant. The payment will occur on a specified date and frequency (such as daily, monthly or annually).

Restaurant Purchases means buying restaurant products and services from a merchant classified through the Visa payment network using the above noted Merchant Category Code for Restaurant Purchases.

Travel Purchases means all travel Purchases and related travel services that you charge to the Account.

We rely on Merchant Category Codes (MCC) that the Visa payment network uses for a merchant to classify its goods and services, which may be changed from time to time by Visa, to determine the Purchase Category for certain Purchases.  If a Purchase qualifies for more than one Purchase Category, you will only earn TD Rewards Points in one of those Purchase Categories. We reserve the right to determine which Earn Rate your qualifying Purchase will earn.  We do not monitor merchants to see if they correctly identify and bill Transactions according to an MCC, or correctly identify a Transaction as a PAP. However, we do reserve the right to determine if a Purchase qualifies for a certain Purchase Category.

Streaming, Digital Gaming & Media Purchases means a Purchase from a merchant classified by the Visa payment network as Digital Goods Media – Books, Movies, Music (MCC 5815), Digital Goods – Games (MCC 5816), Digital Goods – Applications (MCC 5817), Digital Goods – Large Digital Goods Merchants (MCC 5818), Cable, Satellite and Other Pay Television/Radio/Streaming Services (MCC 4899).

Grocery Purchases means a Purchase from a merchant classified by the Visa payment network as Grocery Stores and Supermarkets (MCC 5411).

Public Transit Purchases means a Purchase from a merchant classified by the Visa payment network as Local and Suburban Commuter Passenger Transportation, Including Ferries (MCC 4111).

Pre-Authorized Payments or PAP(s) means regularly recurring Purchases that you set up with a merchant to be automatically charged to your Account and that are classified by the Visa payment network as recurring payments. The payment will occur on a specified date and frequency (such as daily, monthly or annually).

Dining Purchases means a Purchase from a merchant classified by the Visa payment network as Eating Places and Restaurants (MCC 5812), Drinking Places (MCC 5813), or Fast Food Restaurants (MCC 5814).

Travel Purchases means all travel Purchases and related travel services that you charge to the Account.

Section 2.4

Travel Purchases made with a travel supplier that is not Expedia For TD will qualify for the Base Earn Rate. This includes Travel Purchases made with Expedia Inc. These Travel Purchases are not considered Travel Purchases made through Expedia For TD.

Please contact us using the contact details in Section 6 How to Contact Us, if you want to confirm whether a Purchase charged to the Account qualifies for a Purchase Category.

If a Purchase qualifies for more than one Purchase Category, you will only earn TD Rewards Points in one of those Purchase Categories. We reserve the right to determine which Earn Rate your qualifying Purchase will earn. 

Travel Purchases made with a travel supplier that is not Expedia For TD will qualify for the Base Earn Rate. This includes Travel Purchases made with Expedia Inc. These Travel Purchases are not considered Travel Purchases made through Expedia For TD.

Please contact us using the contact details in Section 6 How to Contact Us, if you want to confirm whether a Purchase charged to the Account qualifies for a Purchase Category. 

Can you receive Offers? Occasionally, we may offer you limited time offers that apply to the Program, which may grant you:

• Additional Purchase Categories;
• Additional and/or increased earn rates for a Purchase Category;
• Additional and/or decreased redemption rates;
• Benefits with select merchants; and/or
• Bonus TD Rewards Points.

Additional terms and conditions will apply to such offers and such terms and conditions will be available to you at the time the offer is made. 

Deleted

Note: This language has been removed from the agreement, but your ability to receive offers has not changed.

Section 3.1

The Primary Cardholder or any Additional Cardholder can redeem TD Rewards Points for as follows:

• For Travel Purchases made with the Account through Expedia For TD;
• For Travel Purchases made with the Account through Other Travel Providers;
• For Other Redemption Options; and/or
• In any other manner that we may allow from time to time. 

The Primary Cardholder or any Additional Cardholder can redeem TD Rewards Points as follows:

• For Travel Purchases made with the Account through Expedia For TD; and/or
• For Other Redemption Options.

Section 3.2

You can redeem your TD Rewards Points directly through Expedia For TD either online or by phone at the time you make your Travel Purchase. You may pay for your Travel Purchase by using all or some of your TD Rewards Points in your TD Rewards Points balance.

You can redeem your TD Rewards Points directly through Expedia For TD at the time you make your Travel Purchase. You may pay for your Travel Purchase by using all or some of your TD Rewards Points in your TD Rewards Points balance.

When you make a Travel Purchase directly through Expedia For TD, every 200 TD Rewards Points are worth $1.

You can only redeem in increments of 200 TD Rewards Points at the time of booking.

How do you redeem TD Rewards Points through Other Travel Providers? When you make a Travel Purchase through a travel agency, supplier, or provider that is not Expedia For TD (“Other Travel Provider”), you cannot directly redeem your TD Rewards Points for this Travel Purchase through this Other Travel Provider. To redeem your TD Rewards Points for this Travel Purchase, you must, within 90 days after the Travel Purchase posts to the Account, either:

• Go to TDRewards.com; or
• Call us at the number listed in Section 6 How to Contact Us.

To know when your Travel Purchase through Other Travel Providers posts to the Account, either:

• View the Account statements; or
• Call us using the information provided in Section 6 How to Contact Us.

Any TD Rewards Points that you redeem towards these Travel Purchases made through Other Travel Providers will appear as a statement credit to the Account.  

Deleted

Note: This language has been removed from the agreement, but your ability to redeem TD Rewards Points through Other Travel Providers has not changed.

What are your TD Rewards Points worth when you redeem them for Travel Purchases?

How you redeem TD Rewards Points, and what value your TD Rewards Points have, depend on how you made the Travel Purchase:

Expedia For TD online and phone

Every 200 TD Rewards Points are worth $1. You can only redeem in increments of 200 TD Rewards Points at the time of booking.

Other Travel Providers

For the first $1,200 of a Travel Purchase (equal to 300,000 TD Rewards Points):

·   Every 250 TD Rewards Points are worth $1.

·   You can only redeem increments of 250 TD Rewards Points

After the first $1,200 of the same Travel Purchase (equal to anything greater than 300,000 TD Rewards Points):

·   Every 200 TD Rewards Points are worth $1

·   You can then redeem increments of 200 TD Rewards Points.

We will provide a statement credit to the Account for those redeemed TD Rewards Points in an amount equal to the whole dollar value of those TD Rewards Points. This credit does not count towards your minimum payment. You will still need to pay the full minimum payment by the Payment Due Date. If the dollar value of the TD Rewards Points redeemed exceeds the full amount of any Travel Purchase, we will not credit the Account for more than the full amount of the Travel Purchase

Deleted

Note: This language has been removed from the agreement, but the value of your TD Rewards Points when redeeming them for Travel Purchases has not changed. 

3.5 How do you redeem TD Rewards Points for Other Redemption Options?

We may let you redeem TD Rewards points towards items other than Travel Purchases (Other Redemption Options) including towards: Merchandise and services; Purchases at specific merchants; Education credits; Credit to the Account connected to the Program (you will still need to pay the minimum payment on the Payment Due Date); and/or any other manner that we may allow from time to time.

To redeem for Other Redemption Options or to learn more about Other Redemption Options, visit www.TDRewards.com. When you redeem TD Rewards Points for Other Redemption Options, additional terms and conditions will apply and such terms and conditions will be available to you at the time you redeem for Other Redemption Options. We do not have to provide Other Redemption Options and can cancel or change them at any time, as we determine.

3.3 How do you redeem TD Rewards Points for Other Redemption Options?

In addition to Travel Purchases through Expedia For TD, we may let you redeem TD Rewards Points in other manners that we may allow from time to time (including for Travel Purchases made through a travel agency, supplier or provider that is not Expedia For TD) (Other Redemption Options). If the dollar value of the TD Rewards Points redeemed exceeds the full amount of any Purchase, we will not credit the Account for more than the full amount of the Purchase.

If TD Rewards Points are redeemed for a credit to the Account, you will still need to pay the full minimum payment on the Payment Due Date, unless otherwise disclosed at the time of redemption.

When you redeem for Other Redemption Options, your TD Rewards Points can be redeemed for a minimum value of 400 TD Rewards Points per $1 (Minimum Value).

Other Redemption Options are limited-time promotional offers. When you redeem TD Rewards Points for Other Redemption Options, additional terms and conditions will apply and such terms and conditions will be available to you at the time you redeem for Other Redemption Options. We do not have to provide Other Redemption Options and can cancel or change them at any time, as we determine.

To redeem for Other Redemption Options or to learn more about Other Redemption Options, use the contact information listed in Section 6 How to Contact Us.

Each instance of the following words:

"• Online at TDRewards.com;"

Deleted

Can you combine your TD Rewards Points with other Accounts under the TD Rewards Program?

You can combine your TD Rewards Points with other Accounts that have a TD Rewards Program if all the following applies:

• You are the Primary Cardholder of both Accounts and each Account is connected to the TD Rewards Program;
• Both Accounts that link to the TD Rewards Program are open, active and in Good  Standing; and
• You have a balance of 10,000 or more TD Rewards Points to transfer to the other qualifying TD Rewards Program.
• To combine your TD Rewards Points with another qualifying Account that is connected to the TD Rewards Program, contact us at the phone number listed in Section 6 How to Contact Us.

Deleted

Note: This language has been removed from the agreement, but your ability to combine TD Rewards Points with other Accounts has not changed. 

Every reference to section "4.4" throughout the agreement

Replaced with section "4.3" throughout the agreement

Section 4.4 Can your TD Rewards Points expire, or can you forfeit them? – if you close the Account

Not applicable 

Your redemption options may be limited once you close your Account.

All references to section "4.5" throughout the agreement

Replaced with section "4.4" throughout the agreement 

Section 4.5

If there is a Beneficiary, the following will apply:

• If the Beneficiary notifies us within 1 year from the date of death of the Primary Cardholder, the Beneficiary can redeem the TD Rewards Points only for Other Redemption Options.
• If the Beneficiary notifies us more than 1 year after the date of death of the Primary Cardholder, the TD Rewards Points cannot be redeemed by the Beneficiary and the TD Rewards Points will expire and be forfeited.

The Beneficiary must call us at the phone number listed in Section 6 How to Contact Us. We will require additional documentation to process redemption of TD Rewards Points upon the death of the Primary Cardholder. 

Only the executor or a representative authorized by the executor of the Primary Cardholder's estate can provide direction as to how and in what manner TD Rewards Points can be provided to a Beneficiary.

If we are notified within 1 year from the date of death of a Primary Cardholder, the executor or a representative authorized by the executor can instruct us to do the following:

•  Redeem the TD Rewards Points for a credit to the Account within 90 days of notification; or

•  Transfer the TD Rewards Points to an Account linked to the TD Rewards Program where the Beneficiary is named as the Primary Cardholder, provided the Account is open and in Good Standing.

If we are notified more than 1 year after the date of death of the Primary Cardholder, the TD Rewards Points cannot be redeemed and will be forfeited.

The executor or a representative authorized by the executor must call us at the phone number listed in Section 6 How to Contact Us. We may require additional documentation to process redemption of TD Rewards Points upon the death of the Primary Cardholder.

4.6 What should you know about your Travel Purchases made through Expedia For TD or Other Travel Providers?

We are not a travel supplier or travel agency. Travel Purchases and any travel‑related arrangements that you make with Expedia For TD or Other Travel Providers are subject to the travel provider’s availability, policies and terms and conditions. It is your responsibility to know and to monitor the relevant policies, terms and conditions of the travel supplier, including but not limited to, cancellation and refund policies.

We are not responsible for Travel Purchases that you make with Expedia For TD and/or Other Travel Providers, such as if they fail to honour any aspect of the Travel Purchases. This includes if Expedia Inc., and/or the Other Travel Provider enters bankruptcy or becomes insolvent (unable to pay debts), or any acts of God or other event that affect your Travel Purchases. Expedia For TD and/or Other Travel Providers policies may vary from time to time and may differ among travel suppliers.

Taxes and Fees for Travel Purchases

Expedia For TD and/or Other Travel Providers may charge you taxes, fees, charges, surcharges and levies for your Travel Purchase. Some of these taxes, fees, charges, surcharges and levies may be charged after you make your original Travel Purchase.

If additional taxes, fees, charges, surcharges and levies incur after you make a Travel Purchase, you are responsible for paying them directly to Expedia For TD and/or Other Travel Providers. The amount of taxes, fees, charges, surcharges and levies that you must pay is established by Expedia For TD and/or Other Travel Providers and may change at any time without notice, even after the date that you confirm your Travel Purchase arrangements.

4.5 What should you know about your Travel Purchases made through Expedia For TD or other travel providers?

We are not a travel supplier or travel agency. Travel Purchases and any travel‑related arrangements that you make are subject to the travel provider’s availability, policies and terms and conditions. It is your responsibility to know and to monitor the relevant policies, terms and conditions of the travel supplier, including but not limited to, cancellation and refund policies.

We are not responsible for Travel Purchases that you make, such as if they fail to honour any aspect of the Travel Purchases. This includes if any travel provider enters bankruptcy or becomes insolvent (unable to pay debts), or any acts of God or other event that affect your Travel Purchases. The policies of travel providers may vary from time to time and may differ among travel suppliers.

Taxes and Fees for Travel Purchases

Travel providers may charge you taxes, fees, charges, surcharges and levies for your Travel Purchase. Some of these taxes, fees, charges, surcharges and levies may be charged after you make your original Travel Purchase.

If additional taxes, fees, charges, surcharges and levies incur after you make a Travel Purchase, you are responsible for paying them directly to travel providers. The amount of taxes, fees, charges, surcharges and levies that you must pay is established by travel providers and may change at any time without notice, even after the date that you confirm your Travel Purchase arrangements.

Each instance of the following words:

"Other Travel Provider"

Replaced with the following words:

"other travel provider"

Section 5.5

At any time, we may change, replace, add or remove any section of these TD Rewards Program Terms and Conditions, including:

•  Earning TD Rewards Points, including the number of TD Rewards Points earned in your TD Rewards Points balance without changing their overall value;

•  Redeeming TD Rewards Points, including the redemption value of TD Rewards Points, without changing the dollar value of TD Rewards Points already earned at the time the change is effective;

At any time, we may change, replace, add or remove any section of these TD Rewards Program Terms and Conditions, including:

•  Earning TD Rewards Points, including reducing the number of TD Rewards Points you will earn on Purchases;

•  Redeeming TD Rewards Points, including reducing the dollar value of TD Rewards Points already earned. For Residents of Quebec: we will not reduce the dollar value of TD Rewards Points in a way which is disproportionate to changes to the value of redemption options;

Note: Subject to the Minimum Value set out in Section 3.3

Section 5.11 What language will be used?

Not applicable

For Residents of Quebec

You acknowledge that you were provided with the French version of this agreement and that, after first having had the opportunity to examine the French version, you have expressly requested to be bound only by the English version of this agreement and that all documents directly or indirectly related to it be drawn up in English only. Vous reconnaissez qu’une version française de cette entente vous a été remise et qu’après avoir eu la possibilité de prendre connaissance de la version française, vous avez expressément demandé d’être lié uniquement par la version anglaise de cette entente et que tous les documents s’y rattachant directement ou indirectement soient rédigés exclusivement en anglais.

You can contact us directly if you need to:

•  Report Program errors;

•  Find your TD Rewards Points balance;

•  Redeem your TD Rewards Points for Travel Purchases or Other Redemption Options; and/or

•  Ask general questions about the Program.

To contact us, use one of the following methods:

TD Rewards Support

For questions about registering your Card on TDRewards.com and redeeming through the TD Rewards Website:

Online: TD Rewards.com

By Phone: 1-888-315-0603

You can contact us directly if you need to:

•  Report Program errors;

•  Find your TD Rewards Points balance;

•   Combine your TD Rewards Points with another qualifying Account;

•  Redeem your TD Rewards Points for Travel Purchases through Expedia For TD or Other Redemption Options; and/or

•  Ask general questions about the Program.

To contact us, use one of the following methods: